Aspek Hukum Perlindungan Konsumen Dalam Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi (PM-TEKFIN)


  • Joko Triyono Pascasarjana Universitas Islam Syekh-Yusuf
  • sumarni Alam Pascasarjana Universitas Islam Syekh-Yusuf
  • Tina Asmarawati Pascasarjana Universitas Islam Syekh-Yusuf
  • Agus Iwan Mulyanto Pascasarjana Universitas Islam Syekh-Yusuf



Today's Financial Technology (“Fintechâ€) has changed the way humans interact with the outside world. In the financial services sector, Fintech provides solutions in providing fast, easy and safe services through Information Technology-Based Lending and Borrowing Services (“PM-Tekfinâ€). The public's euphoria in responding to the development of the PM-fintech business turned out to leave problems, especially on the side of legal protection for consumers. The number of consumer complaints to related parties indicates that the compliance of business actors is still low in carrying out their business in accordance with the existing regulations. By using the normative juridical method, this research was carried out with an approach to facts and legislation as primary sources of law, as well as referring to literature, scientific books and scientific works in the field of law as secondary sources of law. By using the basis of Legal Protection Theory, Contract Theory, Legal Certainty Theory, Electronic Transaction Theory, then all data will be analyzed descriptively analytically to obtain a conclusion. From the analysis, it can be concluded that legal protection for consumers is the key to the success of PM-fintech services. Consumers are encouraged to increase literacy in the PM-fintech sector before using the service. Consumers who are harmed can submit complaints to alternative consumer dispute resolution institutions or to the judiciary.

 Keywords: Consumer Protection, Money Lending Services, Information Technology